Health Insurance Quotes

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Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
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Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
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Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

Body-Borneman Health Insurance Quotes

Making the decision to purchase health insurance can evoke feelings of stress and anxiety in anyone, however, it can be even more stressful for people who have never had health insurance before. With the passing of the Affordable Care Act, purchasing health insurance is now a federal law. If you do not have the minimal essential coverage required by law during any portion of the year (and you do not have an exemption), then you will be required to pay a fine on your federal income tax return for that year. Taking the time to speak with a Body-Borneman agent today will help you keep as much of your money in your pocket as possible.

 

Avoiding the federal fine is not the only reason to purchase health insurance. How many of us have avoided regular check-ups because of a lack of health insurance? These regular check-ups are essential to monitoring our health and catching small issues before they become big ones. Physicians and other health care professionals are trained to ask questions that may indicate serious health issues. In many different forms of cancer, early detection significantly increases your chance of survival. Health insurance helps to keep these regular check-ups affordable for all of us, allowing us to live the healthiest life possible.

What Factors Affect My Health Insurance Premium?

There have been many changes in health care laws since the passing of the Affordable Care Act. If you had previously thought about purchasing health insurance but chose not to because it was too expensive, or you were denied coverage, we encourage you to contact Body-Borneman today to discuss how the health care industry has changed. The health insurance quote that you receive today could be very different.

 

In previous years, it was legal in many states for women to either be charged unfeasible premiums or denied coverage all together for things such as a previous cesarean section or being a victim of domestic violence. Many women were afraid to undergo genetic testing for breast cancer for fear of being dropped from their insurance. If these situations sound familiar to you, reach out to Body-Borneman so that we can explain to you how your options have changed. Preexisting conditions now do not matter for anyone. Gender cannot affect your premium. Dependent children can be covered until the age of 26. It is likely possible for you to obtain multiple health insurance quotes that would be affordable for you.

 

With the current federal law in place, you cannot be denied coverage due to any factor. This is called guaranteed issue. Insurance coverage must be renewable as well. Not all health insurance is guaranteed issue. It is important to speak with a licensed agent that can explain your available options to you.

 

Guaranteed issue went in to effect in January of 2014.  Although it is now illegal to deny coverage based on any factor, there are certain factors that will increase your premium.

 

  • Age
  • Geographic location
  • Tobacco Use
  • Individual vs. Family Enrollment
  • Plan category (amount of coverage)
Finding Health Insurance Quotes

Open enrollment is the time of year when individuals are able to either purchase new insurance or change their insurance plan. Even if you already have insurance, open enrollment is a great time to shop around and obtain different health insurance quotes to make sure that the plan you are on is the one that best fits your needs. There are also certain life events that, if you experience, allow you to enroll in insurance even if the open enrollment period has passed. The Pennsylvania Insurance Department reviews the changes in plans on a yearly basis. A licensed Body-Borneman agent can be your best ally in evaluating your health care coverage. We can then work with you to evaluate the health insurance quotes you receive and ultimately enroll you in the plan that best fits your needs.

What to Consider when Choosing a Plan
  • Do you need an HMO or PPO plan? In an HMO plan you will need to have a primary care physician that refers you to specialists on an as-needed basis. A PPO plan will typically let you see a specialist without the approval of a primary care physician (some procedures will still require a referral). In order to evaluate which option would suit you best, think about whether you see a primary care physician or a specialist more often.
  • Is there a certain health care professional that you need specific access to? A doctor that is in the plans network will cost less than a doctor that is out of network. Be sure to browse the provider directory on each insurance company’s website to see if your preferred health care professional is listed. If not, it may be better to consider a different plan. A plan with a large provider network will usually cost more than a plan with a smaller provider network.
  • What unique medical services and prescription drugs do you require? If a physician has told you that you require a certain medical service, or you have been prescribed medication that you will need on a continuous basis, it is important to check to see if the plans that you are considering will cover those expenses.
  • How much can you afford to pay on a monthly basis? Each plan will have a specific mix of costs that you will be responsible for. The different costs to consider include monthly premiums, copays, deductibles, coinsurance and your out-of-pocket limit.  Generally, a plan with a low monthly premium will have a higher out-of-pocket limit and deductible. This can be the hardest part of a plan to evaluate because it is impossible for us to predict our futures. Think about how often you have used a health care professionals’ services in the past. How much are you comfortable keeping in savings to deal with an unexpected medical expense? Answering these questions should help you evaluate which mix of costs will work best for you.
Why Choose Body-Borneman?

Body-Borneman agents understand how easy it is to feel overwhelmed when shopping for health insurance. We serve a very loyal client base of over 17,000 customers. Many of our customers have been with us for over 40 years because of our commitment to quality service and innovation. We would be honored to help you navigate the process of finding affordable health insurance by providing you with a range of quotes from accredited providers. Contact us today to get started.

 

 

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